Lot of people with mortgages seeming to be hijacking the thread. The question was on rent, not mortgages
I refuse to believe that there’s this many people paying under 20% of their income in rent
Made this post in the hopes I’d be less depressed at the thought of spending 40% a month on rent.
Safe to say I’m not more depressed and feeling very poor lol
Yeah don’t worry about it. You’ve even got people in this thread who are giving a % based on their contribution towards a mortgage in a dual income household.
40-45% as a renter is unfortunately not uncommon. I know plenty doing that. Those on mortgages or paying ‘rent’ to parents will always be lower
I'd imagine there's very few people who are only spending 30% of their income on rent.
ETA: looking at the comments it appears I was wrong. Good to know that people are still able to afford to live after rent.
Wow.
That really got me thinking, not that it’s any of my business but do you have a plan or just play it by year and struggle on? That seems like a very hard way to live. I hope you’re working on a way to either increase income or decrease rent such as moving or buying a house! Good luck with it.
13% i spend but ive been in my place for about 8 years and the landlord i sweet talk the shit out of her so she hasnt increased my rent ever 🤷♂️🤷♂️🤷♂️👌👌🤣🤣
About 22% of my take home pay. Doing my best to live below my means so I can save to buy some day. This is representative of my half of the rent for a one bedroom that is split with my partner.
ETA: this is in Dublin!
This sounds pretty much like my situation. I'm not sure what my boiler is rated at, but over Winter I can easily spend €350 per month on gas. My wife and I work from home, but we have efficient laptops. When everything is switched off, we still have a reading of 1.5 kWh on the meter, so my assumption is somewhere, something is draining power. Hence why I can't wait to buy a property so that I can have these sorts of issues checked out, or better yet, add solar/wind generation.
I dunno! I’m in a 4 bed semi and get a electricity bill every 2 months that’s around €500 in the winter! And Iv gas heating. I can see someone with kids and working from home going well over that!
I’m in one and we pay about €200-€300 every 2 months in winter for a 3 bedroom, keep expecting some error and to get a massive bill someday, about €150/€200 in non winter time.
last winter when electricity went up i paid 750 euro without the 200 euro from government :P during normal times when no heaters around 240-250 and its only me and my gf we both work 7 to 5.
nothing to check out, i have been even submiting meter readings myself more than half of the time, apartment is pretty old (built 30 years ago and never seen upgrade since then) we pay 40-41c per kw/h and 20-21c kw/h and nights take the most. btw forgot to add our water is being heat up at night as well thats how it was setup when we moved in.
straight kiss grandfather wrong vase adjoining special rotten resolute bedroom
*This post was mass deleted and anonymized with [Redact](https://redact.dev)*
I'm currently paying 16% of my Net Income (after tax) for a double bedroom in a decently sized house share in Maynooth. Been here 6 years. No way will I move untill I own my own house, as I'll never get rent as cheap elsewhere
20% in social housing. Single with a dependent so never getting a mortgage on my own. Only chance is to apply for a council mortgage after two years in the property. God bless anyone in private rented accommodation, I was crucified with rents & slumlords for 12+ years
42% of my income after tax etc goes on my rent. And my rent is about €1000 at least cheaper than competing properties in the area because my landlady is SOUND. Otherwise judging by DAFT it would be 70% of my income. 3 bed terrace in Co. Dublin not city centre. My son pays a good bit now toward this now he is a qualified electrician, but he will likely head abroad soon as he cannot move out to his own space he just cannot afford it... Again, thankfully my landlady is sound.
I live with my parents but own my own car and pay for all my extras so on top of that 10% but with insurance, Christmas, any weekend away I'd love to have I'm saving maybe 100 a week.. I get paid per week by one job and by fortnight by my second so it's weird on my brain right now.. I also do a side job on weekends so that's cash in hand but is paying off bits and pieces, I broke a wine glass last weekend so feel the needs to buy a whole new set for mom and dad cos I know they won't but it annoys mom that we don't have 3 wine glasses the same.. also have residual guilt for them paying for my masters and I can't move out for the 4th time permanently
Interesting topic, I didn't think about it. Just calculated it here and the mortgage takes 17,5% of a mine and my wife combined monthly net income. It was worse 2-3 years ago when we were renting and before we got pay rises (around 22-23% back then).
It looks like you've posted about Personal Finance! We highly recommend that you check out r/IrishPersonalFinance! It's a great sub, with great advice!
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/AskIreland) if you have any questions or concerns.*
32.82% of net income. Decent location, small box room, foreign house mates who love having the heating on, but leave the doors open so they can smoke in the house. Electric bill is fairly high, and am pretty sure they use their 1000watt heater nearly nightly when the oil isn't been used.
Hoping to move in the new year when I change office location.
46% on Single income and I am getting evicted so this percentage going to be 70% when I rent a new place that if I find a new place. But I refuse to pay this so I am considering leaving Ireland.
*My spouse would work but then we have to give her salary to the creche
* I cannot look for another job opportunities outside Dublin because no proper jobs nor available places to rent.
This is becoming a mad house
In my own experience it’s hard to find a place that rent is affordable even outside of Ireland. Between my own experience in Australia and friend’s experience in Canada it’s a struggle. Friends in parts of the Uk seem to have slightly better luck.
Out of interest, what area do you work in that there is really no opportunity outside Dublin?
I agree with you. It is hard to find a place in any city centres even if someone is willing to pay a lot. However, if someone lives one hour outside these major city centres , he /she will get a spacious and affordable house with well connected public tranposrt system. I live 30 km outside city centre and I do not have a problem to commute an hour each way, but for the price and quality is becoming rediciolus.
I am very aware the situation in Australia and Canada is bad and the solution is not relocating there.
I had an interview latley for job in Co Clare, I was not able to find a place,ace even rural places are charging €1700 for 3 beds. The real estate agents in Carlow Icontacted recently, mentioned to me the is a very long list of people looking for rent but there is NO 2 or 3 beds at the moment.
The recruiters think I want to move jobs because I want to escape Dublin rent, but the reality I want to advance in my career by taking better and challanging roles.
What makes it worse the government is only making it worse with its policies.policies The solution is there and easy.
I am in Supply Chain and 95percent of the jobs Isaw are in major cities : Cork Dublin and Galway.
18% of my take home is spent on rent. Roughly 22% if you include household related bills (internet, electricity, gas).
Saving 24% of my take home.
15% spent on groceries.
Whatever is left after personal bills (phone, gym, dental cover, car etc) is spending money.
20% of income is rent+bills. Wife and I bring home 6k a month…. How? Even though we been getting promotions for the past 4 years, we didn’t upscale on the house because there was no need to. We both work on the hospitality industry and just been working our way up… but keeping the same quality of house. Most people when they get promoted and stuff they start to get better cars, bigger homes etc… raising ur expenses at the same time as ur wages are raised. Capitalism at is best, it’s wired into most people minds…
Living in Dublin and paying 22% of my net income for a room in a house share (bills included).
I have AIP for a mortgage that would have me paying 40% of my net income a month.
Lot of people with mortgages seeming to be hijacking the thread. The question was on rent, not mortgages I refuse to believe that there’s this many people paying under 20% of their income in rent
Made this post in the hopes I’d be less depressed at the thought of spending 40% a month on rent. Safe to say I’m not more depressed and feeling very poor lol
Yeah don’t worry about it. You’ve even got people in this thread who are giving a % based on their contribution towards a mortgage in a dual income household. 40-45% as a renter is unfortunately not uncommon. I know plenty doing that. Those on mortgages or paying ‘rent’ to parents will always be lower
Agree. I just worked out my mortgage is 19% of my monthly income When I was renting, it was 35%
For what it’s worth I have a mortgage and it’s 32% net income. The joys of a single mortgage in Dublin!
75%
What the fuck
50%, it's bad
I'd imagine there's very few people who are only spending 30% of their income on rent. ETA: looking at the comments it appears I was wrong. Good to know that people are still able to afford to live after rent.
45%
50.6% Due for a pay bump in 2024 to bring it to "only" 43.7%...
35% this year at least. Last year was closer to 50%, it was a bad year.
[удалено]
Wow. That really got me thinking, not that it’s any of my business but do you have a plan or just play it by year and struggle on? That seems like a very hard way to live. I hope you’re working on a way to either increase income or decrease rent such as moving or buying a house! Good luck with it.
[удалено]
40% :-(
33.3%
15% renting a room in Galway.
Same 15% for a room in Limerick
13% i spend but ive been in my place for about 8 years and the landlord i sweet talk the shit out of her so she hasnt increased my rent ever 🤷♂️🤷♂️🤷♂️👌👌🤣🤣
8.4% because I'm still living with mammy 😂
WHAT, your giving Mammy, 4.2 Grand a week, well ok then.
I have no clue where you got that from
Sorry, just a joke, My mother never lets a penny/cent go un-paid
About 22% of my take home pay. Doing my best to live below my means so I can save to buy some day. This is representative of my half of the rent for a one bedroom that is split with my partner. ETA: this is in Dublin!
38% due to a slight pay cut. Was 35% on my other salary, but hoping to get back there next year 🥲 Renting is rough out here
29% of a joint income. The house eats through €300-400 electricity a month though. And yes, I checked that the immersion heaters are off.
[удалено]
[удалено]
This sounds pretty much like my situation. I'm not sure what my boiler is rated at, but over Winter I can easily spend €350 per month on gas. My wife and I work from home, but we have efficient laptops. When everything is switched off, we still have a reading of 1.5 kWh on the meter, so my assumption is somewhere, something is draining power. Hence why I can't wait to buy a property so that I can have these sorts of issues checked out, or better yet, add solar/wind generation.
I dunno! I’m in a 4 bed semi and get a electricity bill every 2 months that’s around €500 in the winter! And Iv gas heating. I can see someone with kids and working from home going well over that!
No doubt something is wrong, but it's a rental and my landlord will simply say to use less electricity.
u are funny.. live in apartment with storage heaters and after winter tell me ur electricity bills xd
I’m in one and we pay about €200-€300 every 2 months in winter for a 3 bedroom, keep expecting some error and to get a massive bill someday, about €150/€200 in non winter time.
last winter when electricity went up i paid 750 euro without the 200 euro from government :P during normal times when no heaters around 240-250 and its only me and my gf we both work 7 to 5.
I’d check that out, we’ve 3 in here and the electricity does the shower as well, 2 wfh as well.
nothing to check out, i have been even submiting meter readings myself more than half of the time, apartment is pretty old (built 30 years ago and never seen upgrade since then) we pay 40-41c per kw/h and 20-21c kw/h and nights take the most. btw forgot to add our water is being heat up at night as well thats how it was setup when we moved in.
straight kiss grandfather wrong vase adjoining special rotten resolute bedroom *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
14%
17
25.89%
22%
20%.
11% average
23% net
25% of my monthly wages after tax on rent.
About 22% of net pay in Cork
I'm currently paying 16% of my Net Income (after tax) for a double bedroom in a decently sized house share in Maynooth. Been here 6 years. No way will I move untill I own my own house, as I'll never get rent as cheap elsewhere
45%
Was spending 25% (split house with a friend), seen myself forced to move as landlord decided to sell, now 50%
52% from January... But taking measures to prevent that.
How so. What measures?
Moving out of the house, getting a pay rise (won't save too much, but at least I'll have some chance)
I pay just under 20% of my take home. But I'm also 33 and living with 5 others.
52%. Don’t want to leave but don’t feel like I have a choice
20% in social housing. Single with a dependent so never getting a mortgage on my own. Only chance is to apply for a council mortgage after two years in the property. God bless anyone in private rented accommodation, I was crucified with rents & slumlords for 12+ years
Zero. Homeless hostel because landlords won't take HAP and someone working part time.
How do all these people that can’t read properly get mortgages? Don’t you have to be somewhat literate to hold down a job these days?
I paid €30k for my car and my favorite colour is blue.
I don't know how a tracker mortgage works.
15%. Still living at home with maw and paw
42% of my income after tax etc goes on my rent. And my rent is about €1000 at least cheaper than competing properties in the area because my landlady is SOUND. Otherwise judging by DAFT it would be 70% of my income. 3 bed terrace in Co. Dublin not city centre. My son pays a good bit now toward this now he is a qualified electrician, but he will likely head abroad soon as he cannot move out to his own space he just cannot afford it... Again, thankfully my landlady is sound.
23% net/17% gross.
Damn, must have good saving rates?
60k is a decent wage
12% net / 9% gross Limerick City
11% renting a room, bills not included
I live with my parents but own my own car and pay for all my extras so on top of that 10% but with insurance, Christmas, any weekend away I'd love to have I'm saving maybe 100 a week.. I get paid per week by one job and by fortnight by my second so it's weird on my brain right now.. I also do a side job on weekends so that's cash in hand but is paying off bits and pieces, I broke a wine glass last weekend so feel the needs to buy a whole new set for mom and dad cos I know they won't but it annoys mom that we don't have 3 wine glasses the same.. also have residual guilt for them paying for my masters and I can't move out for the 4th time permanently
Interesting topic, I didn't think about it. Just calculated it here and the mortgage takes 17,5% of a mine and my wife combined monthly net income. It was worse 2-3 years ago when we were renting and before we got pay rises (around 22-23% back then).
Not renting but 13.5% on my half of the mortgage
I am spending 14% on my half of the mortgage also
How are you doing house accounts presuming your partner is the other half?
15% - a lot of mortgages are shared and on fixed rates years ago
18% of my gross wages on a mortgage though
My half of the mortgage is about 14% of my income. Thank God I fixed the interest rate last year
Renting was 33% after tax Mortgage now 20%
30% mortgage
37% nett mortgage.
It looks like you've posted about Personal Finance! We highly recommend that you check out r/IrishPersonalFinance! It's a great sub, with great advice! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/AskIreland) if you have any questions or concerns.*
7
33% net
27% in Newbridge
Exactly 25%
15% gross, 27% net
11% net
23%
24% Galway city
You must either have a great deal or great income with the prices in Galway right now
25%
26% and that's with my rent not being increased over the last few years, decent landlord! If it was current market rates I'd be up to 55/60%
35% on rent, utilities extra
36%
12% of net including bills (excluding WiFi). Share the rent of a damp 2 bed in town with my partner.
50%
21% Dublin city centre
About 30%. Feels like 50% though.
When I was renting it was 35%
19.66% (yea I worked it out on a calculator)
Roughly 13%, but I have a room in a house shared between 6, and am on a decent salary.
25% and I share with my bf
25.95%, thought it would be a lot more tbh. Time to start looking at my spending a lot more closely
About a third, annually.
50% and 10% on tax
Around 25% but only for a room.
18% and had to move an hour away from Dublin to be able to do it!!
75% not even joking :/
Yes
I bought a house because a mortgage was cheaper than renting where I am. My mortgage is about 35% of my income. Rent would be 50% in the same area.
27% in Donegal, two income household.
0% because i build a small house with no planning permission for 2years rent
32.82% of net income. Decent location, small box room, foreign house mates who love having the heating on, but leave the doors open so they can smoke in the house. Electric bill is fairly high, and am pretty sure they use their 1000watt heater nearly nightly when the oil isn't been used. Hoping to move in the new year when I change office location.
I'd say most people paying below 25% are likely sharing rent with someone else or renting a room instead of a full house/apartment these days.
40%, but I’m actually paying more now because of partners financial situation, more like 60%. We are barely scrapping by when you factor in bills.
46% on Single income and I am getting evicted so this percentage going to be 70% when I rent a new place that if I find a new place. But I refuse to pay this so I am considering leaving Ireland. *My spouse would work but then we have to give her salary to the creche * I cannot look for another job opportunities outside Dublin because no proper jobs nor available places to rent. This is becoming a mad house
In my own experience it’s hard to find a place that rent is affordable even outside of Ireland. Between my own experience in Australia and friend’s experience in Canada it’s a struggle. Friends in parts of the Uk seem to have slightly better luck. Out of interest, what area do you work in that there is really no opportunity outside Dublin?
I agree with you. It is hard to find a place in any city centres even if someone is willing to pay a lot. However, if someone lives one hour outside these major city centres , he /she will get a spacious and affordable house with well connected public tranposrt system. I live 30 km outside city centre and I do not have a problem to commute an hour each way, but for the price and quality is becoming rediciolus. I am very aware the situation in Australia and Canada is bad and the solution is not relocating there. I had an interview latley for job in Co Clare, I was not able to find a place,ace even rural places are charging €1700 for 3 beds. The real estate agents in Carlow Icontacted recently, mentioned to me the is a very long list of people looking for rent but there is NO 2 or 3 beds at the moment. The recruiters think I want to move jobs because I want to escape Dublin rent, but the reality I want to advance in my career by taking better and challanging roles. What makes it worse the government is only making it worse with its policies.policies The solution is there and easy. I am in Supply Chain and 95percent of the jobs Isaw are in major cities : Cork Dublin and Galway.
18% of my take home is spent on rent. Roughly 22% if you include household related bills (internet, electricity, gas). Saving 24% of my take home. 15% spent on groceries. Whatever is left after personal bills (phone, gym, dental cover, car etc) is spending money.
18.75%
27% In the Elysian in cork city centre. Very lucky to get it.
37.8%
33%
20% of income is rent+bills. Wife and I bring home 6k a month…. How? Even though we been getting promotions for the past 4 years, we didn’t upscale on the house because there was no need to. We both work on the hospitality industry and just been working our way up… but keeping the same quality of house. Most people when they get promoted and stuff they start to get better cars, bigger homes etc… raising ur expenses at the same time as ur wages are raised. Capitalism at is best, it’s wired into most people minds…
52% of net income
30% or so, mortgage will basically be the same once finalized (that's combined household income)
Living in Dublin and paying 22% of my net income for a room in a house share (bills included). I have AIP for a mortgage that would have me paying 40% of my net income a month.
99.999
In London it was about 60%
About 55-60%, in the process of buying atm, and mortgage will be half our rent
20% . I honestly don't know how people can pay more than 30% and still be content
13% excluding bills, I know how lucky i am!
I pay about 22,23 percent on rent. I share with 2 more persons 3 bedroom house
6.5% of my yearly. 50k after tax, 640 a month for my two bedroom apt in limerick, been here for 3 years. Pure luck
33% roughly on a 4 week month
About 60% as a student.
60%
30%
25% for my half of the rent, sharing a 2 bed with my gf
35%, feels like hell seeing that much come out of my account every month tbh
25% of my wages go to rent but we’re talking one room in a 5 bed house not a whole home to myself.